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Facts + Statistics: Winter storms

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Winter storms caused nearly $6 billion in insured losses in 2022, the second-highest year on record for winter storm insured losses in the last ten years, according to Aon. The third costliest winter event since 1950 occurred in December 2022, amounting to $3.5 billion insured losses. Winter storms include snow, ice, freezing and flooding.

U.S. Insured Losses From Winter Storms, 2016-2025

($ millions)

  Insured losses (1)
Year When occurred In 2025 dollars
2016 $1,178 $1,610
2017 926 1,234
2018 3,791 4,937
2019 1,859 2,385
2020 1,098 1,380
2021 15,529 19,170
2022 10,197 11,288
2023 3,326 3,591
2024 3,933 4,136
2025 1,385 1,404

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed.

Source: Aon.

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Top 10 Costliest U.S. Winter Events By Insured Losses, 1950-2025 (1)

($ millions)

        Insured loss
Rank Date Event Location When occurred In 2025 dollars (2)
1 Feb. 12-20, 2021 Polar Vortex, Texas Freeze TX, OR, WA, CO, NV, AR, OK, GA, NC, FL, IL,
IN, IA, WI, OH, PA, VA, NC, SC, LA, MO, MS		 $15,000 $18,524
2 Dec. 21-26, 2022 Winter storm Nationwide 7,700 8,427
3 Mar. 11-14, 1993 Blizzard  AL, CT, DE, FL, GA, KY, LA, MA, MD, ME, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA,
VT, WV		 2,000 4,524
4 Feb. 16-22, 2015 Winter storm, winter damage CT, DC, DE, IL, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT 2,100 2,906
5 Dec. 17-30, 1983 Winter damage, cold wave AL, AR, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS,
KY, LA, MA, MD, MI, MN, MO, MS, MT, NC,
ND, NE, NJ, NY, OH, OK, OR, PA, RI, SC, SD,
TN, TX, UT, VA, WA, WI, WV, WY		 880 2,822
6 Jan. 5-8, 2014 Winter damage, cold wave  AL, GA, IL, IN, KY, MD, MI, MO, MS, NC, NJ, NY,
OH, PA, SC, TN, VA		 1,750 2,430
7 Dec. 10-13, 1992 Winter storm CT, DE, MA, MD, NJ, NY, PA, RI, VA, WV 1,000 2,289
8 Nov. 24-30, 1950 Winter storm CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT 170 2,288
9 Mar. 1-3, 2018 Winter storm CT, DC, DE, MA, MD, NC, NJ, NY, PA, RI, VA 1,755 2,284
10 Jan. 29, 1951 Ice Storm TN, TX, VA, AL, KY, MS, LA, GA, WV, VA, NC, SC 150 1,918

(1) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

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